SJN Bank of Kansas: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q3 2026 was in Accumulated other comprehensive income: 370.8% lower than in Q2 2026, at -$5.5M. Within Kansas, SJN Bank of Kansas is 65th of 84 on CET1 ratio, 12.67% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. SJN Bank of Kansas sits 2.40 points lower, at 12.67% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.67% |
| Tier 1 risk-based capital ratio | 12.67% |
| Total risk-based capital ratio | 13.93% |
| Tier 1 leverage ratio | 9.41% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $28.7M |
| Tier 1 capital | $28.7M |
| Total risk-based capital | $31.6M |
| Total equity capital | $24.4M |
| Risk-weighted assets | $226.5M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.05% |
| Tangible equity to tangible assets | 7.71% |
| Equity capital to average assets | 7.96% |
| Internal capital growth rate | 16.08% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.7M |
| Retained earnings | $27.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 14.60% | 14.60% | 15.86% | 9.88% | $159.4M |
| Q1 2024 | 13.81% | 13.81% | 15.08% | 8.81% | $162.5M |
| Q2 2024 | 13.36% | 13.36% | 14.62% | 9.19% | $174.9M |
| Q3 2024 | 12.99% | 12.99% | 14.25% | 9.01% | $186.9M |
| Q4 2024 | 12.78% | 12.78% | 14.04% | 9.20% | $194.4M |
| Q1 2025 | 13.67% | 13.67% | 14.93% | 9.48% | $187.6M |
| Q2 2025 | 14.01% | 14.01% | 15.27% | 9.76% | $189.8M |
| Q3 2025 | 13.92% | 13.92% | 15.18% | 9.97% | $199.0M |
| Q4 2025 | 11.41% | 11.41% | 12.66% | 8.31% | $228.0M |
| Q1 2026 | 12.32% | 12.32% | 13.58% | 8.78% | $214.3M |
| Q2 2026 | 12.22% | 12.22% | 13.48% | 9.24% | $225.2M |
| Q3 2026 | 12.67% | 12.67% | 13.93% | 9.41% | $226.5M |
SJN Bank of Kansas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SJN Bank of Kansas, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full SJN Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4766) · FFIEC NIC profile (RSSD 412555)